Call reports 2003
SAVINGS BANK AND TRUST, THE — 2003
What SAVINGS BANK AND TRUST, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 175,481,000 | 174,956,000 | 389,964,000 | 381,878,000 |
| Total loans | 92,005,000 | 88,166,000 | 185,892,000 | 178,531,000 |
| Allowance for loan losses | 1,561,000 | 1,563,000 | 2,973,000 | 2,751,000 |
| Securities available for sale | 66,620,000 | 74,844,000 | 149,875,000 | 153,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,940,000 | 153,423,000 | 308,566,000 | 302,527,000 |
| Interest-bearing deposits | 135,142,000 | 135,530,000 | 236,131,000 | 259,791,000 |
| Noninterest-bearing deposits | 16,798,000 | 17,893,000 | 72,435,000 | 42,736,000 |
| Equity capital | 13,630,000 | 14,135,000 | 56,436,000 | 56,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,298,000 | 4,541,000 | 9,071,000 | 13,407,000 |
| Interest expense | 749,000 | 1,469,000 | 2,468,000 | 3,335,000 |
| Net interest income | 1,549,000 | 3,072,000 | 6,603,000 | 10,072,000 |
| Noninterest income | 239,000 | 422,000 | 1,170,000 | 2,098,000 |
| Noninterest expense | 1,116,000 | 2,392,000 | 4,987,000 | 7,810,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 672,000 | 1,102,000 | 2,813,000 | 4,390,000 |
| Income tax | 162,000 | 241,000 | 745,000 | 1,300,000 |
| Net income | 510,000 | 861,000 | 2,068,000 | 3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,442,000 | 11,624,000 | 25,977,000 | 26,158,000 |
| Total capital | 15,689,000 | 12,862,000 | 28,662,000 | 28,803,000 |
| Risk-weighted assets | 99,447,000 | 98,489,000 | 214,521,000 | 211,461,000 |
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